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Ive decided to clear the CU loan and one of the CCs with redundancy... after that I suppose we'll just have to manage best we can. I will put my name down for a house as soon as the baby is born or earlier if I can.... I suppose when I look at it once owning our own place right now isnt really...

There were 3 payments missed before I realised what had happened (clearly more money in the account than was supposed to be there :) ) I got my icb report the other day and it shows the missed payments, thats the only reason I was thinking of defaulting in order to have some money for the little...

Hey guys.... Ill try to make this short as possible.... I have a loan of approx €25K (inc interest) with a bank and a CU loan of approx €10K. My partner has a loan of about €5k and €5k on credit cards. I missed some payments on my CU loan as I did a switch and they didnt transfer the...

I applied for my ICB report, I have a mortgage with my ex, he is responsible for payments etc but the mortgage is still in joint names. This mortgage does not appear on my ICB even though I gave all my previous addresses.. Has anyone any idea why this would be? Thanks x

I got an application form in the post yesterday in relation to Shared Ownership. Its just a normal Housing Loan Application form from the council, it appears to be the same form for Affordable / Social / Shared etc..... The lady in the council office said there should be no prob or delay with...

Hi Everyone, Have received a House Purchase Loan Application from the Co Co today. The scheme I was looking at was the Shared Ownership (definately not Affordable or Social Housing) On the application form it ask which type of loan you wish to apply for it has a list of options, 1...

I had a mortgage previously with my ex, well when i say previously Im still on it as it was a fixed term and neither of us could afford the crazy breakage fee the bank was charging to come off it. My ex still lives in this house and is responsible for everything inc payments. He has missed 3...

Thanks a mil for that.... hes going into the broker today anyway so I suppose good or bad we'll know the story :) I was going to look at Shared Ownership also as we might both be able to apply on that! Thanks for the advice x

Thanks Guys, Really do appreciate your advice here. I will definately try and clear as much of the debtas as we can a.s.a.p. All extra cash will go that way.. Just another quick question, would we be better to clear the cc etc or start saving? We could prob do a bit of both but obviously...

Hi Everyone, Just looking for a bit of info before we get our hopes up and this seems to be the best place to ask. My partner is going to a broker tomorrow to see if he can get a mortgage of €170K (have fallen in love with a house €185K). He is in full time perm employment for the past 7...